Loans from USA
for businesses from any country
for businesses from any country
No pledge?
Insufficient financial indicators?
Consider funding through SPAC. From $3 million.
Insufficient financial indicators?
Consider funding through SPAC. From $3 million.
For Any Country
No Revenue
No Pledge
You can use the Law The Inflation Reduction Act of 2022 (IRA), which allows you to receive preferential subsidized financing from the United States, with no pledge.
If you do not have revenue or its size is insufficient, you can buy a special investment company "SPAC" and get a preferential investment loan for this company.
Your business can be located in any country, and nevertheless, you can apply for preferential American financing after purchasing a special company "SPAC".
Vladislav Bestuzhev
Your
Financial Advisor
Financial Advisor
Our team is your reliable partner in obtaining preferential subsidized loans from American banks. Our mission is to help entrepreneurs from anywhere in the world realize their ambitious projects, even if it seems that there is almost no chance.
No pledge? Does the revenue leave much to be desired? It doesn't matter! We have found a solution just for you and will help you get a loan on the best terms.
No pledge? Does the revenue leave much to be desired? It doesn't matter! We have found a solution just for you and will help you get a loan on the best terms.
How we help:
- 1Preferential lending:Get access to American subsidized loans that will help your business grow and develop without unnecessary burden on finances, in any country in the world.
- 2SPAC as a solution:If you are unable to provide pledge or your revenue does not meet the requirements of the bank, we will offer a unique opportunity – a loan to a SPAC (special investment company).
- 3Payment for our services is for the result:You pay our fee only after you have received the loan. No unforeseen expenses are provided. You can buy SPAC from any broker.
Key loan terms
Get a subsidized loan from an American government bank
- Lending ratefrom 4.50% per year
- Loan termup to 20 years
- Grace periodup to 2 years
- A loan or a credit lineThe term of the credit line's draw period is up to 24 months, without penalty for non-drawing.
- Nominal officer of the companyIf you don't have a manager who meets the Bank requirements, you can get a Nominee service.
- Remote signingThe entire document flow takes place both with a personal visit to the bank (Washington, D.C.) and remotely, through digital signature services.
Advantages of working with us:
- 1Individual approach:We find flexible solutions for your individual needs.
- 2Professionalism and experience:Since 2017, we have been helping foreign companies obtain financing in the United States.
- 3High approval rate:We provide a guarantee of obtaining a loan at an early stage of discussing your case.
- 4Saving time and resources:We take up your case only if we are sure of its positive result.
- 5Payment for the result:You pay for our services in the amount of 4% of the loan, from the money received, without prepayment.
- 6Turnkey support:We accompany you before the loan is issued and advise you after that.
How it works
1
Free
consultation
consultation
During the consultation, we will determine the best way to solve your problem
2
Preparation
of documents
of documents
We apply and receive a Hard Offer that guarantees a loan
3
Buying
a SPAC
a SPAC
You pay for the SPAC only if you receive the bank's Hard Offer
4
Getting
a loan
a loan
You receive a loan within 2 months after submitting the documents
We do not sell SPACs, you can buy it yourself from any broker or entrust the selection to us. In any case, before paying for the SPAC, you will receive the approval of the bank, guaranteeing the loan.
Expand your business horizons today!
Let us help you get a preferential loan from an American bank.
I am Vladislav Bestuzhev, more than 20 years in the banking business. He worked his way up from an ordinary loan manager at Sber Bank to a specialist in business loans at Morgan Chase Bank. I am sharing my experience and practical developments with you.
My team includes specialists in the development of business plans and financial models, as well as American lawyers.
In the course of our work, we do the following:
My team includes specialists in the development of business plans and financial models, as well as American lawyers.
In the course of our work, we do the following:
- We choose the best path for your project.
- We find SPAC sellers if you entrust the deal to us.
- We find a credit broker and negotiate with him.
- We adapt your project and support it in the bank.
Vladislav
Bestuzhev
Bestuzhev
Your
Financial Advisor
Financial Advisor
What our customers say about us
Thanks to Vladislav and his team for their help in obtaining a loan. Now our business has got a second wind!
Thanks to Vladislav for the quick help with the loan. Just 3 months later, we received the money. Good luck to you guys!
Thanks guys for the quick help with getting a loan for our coffee shop chain. We are happy!
We received funding unexpectedly quickly and now we need to scale our business.
In just 3.5 months, we received a credit line and are putting our business into a new orbit, thanks to Vlad for his help - we couldn't have done it ourselves!
I never thought it was possible even without visiting the USA, we got a loan for our business!
Detailed road map:
Signing a contract
for the purchase of a SPAC
for the purchase of a SPAC
If you need to buy
a SPAC
a SPAC
If there
is an American company
is an American company
If there is no Manager
in the USA
in the USA
If you need to speed up the process
from 4 months to 2 months
from 4 months to 2 months
Full payment
for the SPAC
for the SPAC
Making a deposit
for SPAC
for SPAC
Signing a nominal
service agreement
service agreement
Payment for the nominal service agreement
Signing
of a legal services agreement
of a legal services agreement
Termination
of the nominal service agreement
of the nominal service agreement
Payment
for a legal services agreement
for a legal services agreement
Free of charge
consultation
consultation
Signing
an Facilitation agreement
an Facilitation agreement
Strategy development and discussion
Submitting a request
to the Bank
to the Bank
Receiving the Bank's offer
Signing the contract
with a credit broker
with a credit broker
Development
of a loan application
of a loan application
The Bank's consideration
of the loan application
of the loan application
Signing a loan agreement with a bank
Issuing
a loan by the Bank
a loan by the Bank
Payment of brokerage fees
1 day
1-3 days
1-3 days
1-3 days
1-3 days
5-7 days
3-5 days
1-3 days
1-3 days
1-3 days
1-3 days
1-3 days
60-130 days
1-3 days
1-3 days
7-10 days
7-10 days
20-30 days
1-3 days
Where to begin?
1
Describe it
Your project
Your project
2
Make an appointment for a consultation
3
Sign a Contract
with us
with us
4
Send us the LOI
(letter of intent)
(letter of intent)
Frequent questions from our customers
My team and I help our clients from all countries to structure transactions for obtaining loans from the United States.
Before starting to work with clients, we sign an Facilitation agreement.
Before starting to work with clients, we sign an Facilitation agreement.
We cooperate with 12 American banks. Only U.S. EXIMBANK is available for foreign projects. In addition, only this bank offers preferential subsidized loans.
We cooperate only with American banks that lend only to local companies, so only an American company with revenue 2.2 times the loan amount can be a borrower.
If you don't have such a company, you can buy a SPAC and get a loan for that company.
If you don't have such a company, you can buy a SPAC and get a loan for that company.
Yes, you can get a loan in the USA, after buying a company with revenue - SPAC that meets the requirements of the bank, get a loan for the turnover of SPAC.
If you do not operate in the United States, then you can purchase a special investment company (SPAC) and get a loan using it.
After buying shares of this company and changing the director, you can immediately apply for a loan - some banks do not require quarantine.
After buying shares of this company and changing the director, you can immediately apply for a loan - some banks do not require quarantine.
Yes, you can. The whole process can be organized remotely, with the signing of contracts through electronic signature services. You can also invite a nominee director with a high credit rating for the period of consideration of the application.
Our remuneration for the loan brokerage is 3% of the loan amount and you pay it after receiving the loan. No prepayments are provided.
If you do not have an American company that meets the requirements of the bank, you will have expenses for the purchase of a SPAC (special investment company). You can instruct us to pick up a SPAC for you or you can buy it yourself. In this case, you will have expenses for the purchase of a SPAC.
In addition, the officer of your company must also meet the requirements of the bank. If you do not have such an employee, you can get a nominal service from any nominal service provider.
If you do not have an American company that meets the requirements of the bank, you will have expenses for the purchase of a SPAC (special investment company). You can instruct us to pick up a SPAC for you or you can buy it yourself. In this case, you will have expenses for the purchase of a SPAC.
In addition, the officer of your company must also meet the requirements of the bank. If you do not have such an employee, you can get a nominal service from any nominal service provider.
SPAC is a special investment company that meets the requirements of banks and immediately after its purchase, you can submit a loan application to the bank.
Usually, this is an American company registered in the state of Delaware.
Usually, this is an American company registered in the state of Delaware.
Maybe, if he is appointed after submitting an application to the bank (for the period of consideration by the bank of the application, the director of the company must be a resident of the United States who meets the requirements of the bank. Before the money is credited to SPAC's account, the nominee director can be replaced by you.
Yes, it is possible in some banks specializing in export financing, for example - US EXIM BANK
Through SPAC, you can get a loan from one of the American banks. Depending on the selected bank, the terms of the loan will differ.
The terms of the loan depend on its amount. Here are the approximate conditions for small/large loans:
The terms of the loan depend on its amount. Here are the approximate conditions for small/large loans:
- Loan amount: up to $100M/more than $100M
- The interest rate: 7.50/4.50% per annum
- Loan term: up to 10 years/up to 20 years
- Credit holidays: up to 12 months/up to 24 months (debt+interest)
- Credit line sampling period: up to 12 months/up to 24 months
- The money is given in the form of a loan or a line of credit.
The following documents will be included in the transaction process:
- The Loan Facilitation Agreement
- LOI (letter of intent)
- Project teaser (or feasibility study, or Business Plan)
- A scan of the passport of the initiator of the loan, if it is necessary to register the parent company (provided by the initiator of the loan)
- Statutory documents of the parent company (provided by any registrar)
- A brokerage agreement for the search for a deposit or a contract for the purchase of a deposit (provided by a business broker/seller)
- An invoice for the payment of a deposit (provided by a business broker/seller)
- Hard Bank Offer (provided by the bank)
- Invoice for payment for the SPAC, minus the deposit (provided by the broker/seller)
- Scans of documents of the new SPAC Manager (provided by the initiator of the loan) or a nominal service agreement (provided by the nominal service provider)
- SPAC purchase agreement (provided by the broker/seller)
- Agreement with a credit broker (provided by a credit broker)
- Financial model (provided by the initiator of the loan)
- Final Request (provides the bank)
- Notification to the provider of termination of the nominal service agreement (provides the initiator of the loan)
- Loan agreement (provided by the bank)
- Invoice for payment of brokerage fees (provided by a credit broker)
- State of Incorporation - Delaware, US
- Age 2+ years
- Revenue for the last year - at least x2.2 of the loan amount
- Revenue for the previous year -5...25% of the last year
- No loss in the last 2 years
- There are no accounts payable more than 20% of the loan amount
- The manager of the company is a resident of the USA, who meets the requirements of the bank
The price of SPAC depends on its revenue and amounts to 150,000 - 1,500,000 dollars.
The amount of credit that can be obtained depends on the revenue.
Here are some examples:
(SPAC Price / Revenue, million$ / Loan, million$)
$156,000 / 9 / 4
$322,000 / 256 / 120
$720,000 / 1,640 / 700
$1,119,000 /2,218 / 950
The amount of credit that can be obtained depends on the revenue.
Here are some examples:
(SPAC Price / Revenue, million$ / Loan, million$)
$156,000 / 9 / 4
$322,000 / 256 / 120
$720,000 / 1,640 / 700
$1,119,000 /2,218 / 950
- On Internet resources that sell ready-made businesses, for example: loopnet.com , gapcorp.cc bizbuysell.com , dealstream.com , and many other sites.
- From any business brokers for the sale of a ready-made business
- You can let us find a SPAC seller for you
The sellers of the SPAC are located in the USA, so you need to be able to pay to American bank accounts. Usually, you will be asked to pay in any of the following ways:
- by direct transfer to the seller's account in an American bank;
- cryptotransaction to the seller's wallet;
- using the services of intermediaries in your country
Yes, you can get installments of up to 6 months.
In our experience (and we have conducted more than 200 successful transactions through SPAC over the past 7 years), the presence of a SPAC does not guarantee a loan, only the presence of a bank offer can guarantee a loan. But as a backup scenario, you can consider selling from the SPAC at any time.
You pay for the SPAC only after receiving the bank's offer. The bank's firm irrevocable offer is a guarantee for you to receive a loan.
A Firm (Hard) Bank Offer is an obligation of the bank to issue a loan on the terms described in the offer. The offer is valid for 90 days, during which the borrower must provide the documents requested by the bank (Business plan, calculations, information about the beneficiaries).
No, no additional security is required.
If you do not have an employee on staff who meets the bank's requirements for the manager of the borrower company, then you can receive nominal service in any service. Usually, such services are provided by law firms and brokers.
You can conclude a Nominee service agreement with the provider and get a temporary head for the period of consideration of the loan application (2-4 months), or for the entire period of your company's activity.
The nominee director must meet the following requirements:
The cost of the nominal service: $5,000 ... $8,000 per month for the period of consideration of the application and $2,000...4,000 after the loan is issued, if you need such a service.
You can conclude a Nominee service agreement with the provider and get a temporary head for the period of consideration of the loan application (2-4 months), or for the entire period of your company's activity.
The nominee director must meet the following requirements:
- U.S. resident
- Credit Score level: 700+
- Credit Score Volume: $1 000 000+
The cost of the nominal service: $5,000 ... $8,000 per month for the period of consideration of the application and $2,000...4,000 after the loan is issued, if you need such a service.
- You can use SPAC as an operating company and conduct business on its behalf.
- You can pay expenses from SPAC accounts “for a third party” - for another foreign company.
- You can buy shares/shares in foreign companies
- You can lend to other companies
Some creditor banks (for example, US EXIM) are not operational banks and do not hold customer accounts. They require the provision of annual audited statements, including Tax Returns and Bank Statements. If you want to be sure that the Bank will not have any claims against you, you can conclude an agreement with us or with any other financial advisor.
Where to begin?
Get a free consultation from our specialist!
How do I become our partner/agent?
More than 60% of transactions are brought to us by our partners, and we share our income with them.
To become our partner, you don't need to spend money, you can only use your time and your connections. Many people around you are looking for financing for their projects and you and I can help them with this.
Offer them our services, briefly introduce them to the course of business and create a working group with the client and representatives of our team. We will tell the client in more detail, provide references, sign contracts and bring them to the loan.
As a result, everyone will get a result: the client will receive a loan, and you and I will receive our reward.
To become our partner, you don't need to spend money, you can only use your time and your connections. Many people around you are looking for financing for their projects and you and I can help them with this.
Offer them our services, briefly introduce them to the course of business and create a working group with the client and representatives of our team. We will tell the client in more detail, provide references, sign contracts and bring them to the loan.
As a result, everyone will get a result: the client will receive a loan, and you and I will receive our reward.
The client pays 4% for the services of the credit brokerage, and only after receiving the loan (no prepayments are required from the client). Within these 4 percentages, 1% is taken into account as a reward for agents (you and me). We divide this 1% in half.
Thus, your remuneration is 0.5% of the loan amount and you will receive it within 10 days after the loan is issued.
Thus, your remuneration is 0.5% of the loan amount and you will receive it within 10 days after the loan is issued.
How is the interaction of the participants in the process:
- You conduct initial negotiations with the client, explaining to him the terms of financing and the procedure for action. To do this, you need to familiarize yourself with our website.
- After the client understands and accepts the conditions for obtaining financing, you create a working group in any messenger. The working group will include: You, the client and our representatives. As we move through the process, we will add the necessary performers to the working group.
- To begin the interaction of the working group with the client, the following documents will be required from him: LOI (letter of intent, here is an example letter), materials about his business (the last 2 tax reports), and materials about the project that the client wants to finance (business plan, feasibility study or teaser, as well as a financial model).
- Interaction with the client before submitting an application to the bank takes from 2 to 5 weeks, depending on the client's activity. Given our interest in speeding up the processes, we expect you to be proactive, in particular you need to:
- Convey to the client the advantages of our terms and conditions and lending, in general;
- To assist the client in preparing the source materials;
- Participate in online conferences with a client;
- To control the timing of the parties' fulfillment of their obligations.
Considering that the average loan amount for 2023 was $ 22 million, each client will bring you an average of $ 110 thousand.
I hope this figure motivates you to devote more and more time to our interaction, but we will professionally bring the client to the loan in the shortest possible time.
I hope this figure motivates you to devote more and more time to our interaction, but we will professionally bring the client to the loan in the shortest possible time.
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